Can Up Bank Be Used in Bali / Indonesia?
Our recommendation is Ubank for eligible Australian readers spending from AUD, and Wise for international readers where its card is available. Ubank does not charge its own overseas purchase or ATM-withdrawal fee. Wise conversion and withdrawal fees depend on where your card was issued; local ATM charges and card limits can still apply.
Check Wise card availability for your home country before ordering a card.
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Ubank $30 signup bonus: enter AFWLLL7 on the About you screen and make five eligible card purchases that settle within your first 30 days. Participants must be 18+; returning-customer restrictions apply. Allow up to 45 days for payment after the requirements are met. Full offer terms.
Yes, and for a lot of Australian travellers it is still one of the best simple cards to bring.
Photo by Katarzyna Zygnerska on Unsplash
Quick Verdict
This guide answers a specific question for existing Up users: the card can be used in Bali and Indonesia where Mastercard is accepted. Up does not charge its own overseas purchase or ATM-withdrawal fee, but operators may charge and cash is still needed at smaller businesses. Ubank remains our main recommendation for eligible Australians; Wise is our recommendation for international readers where available.
- Australians who already use Up and want its budgeting tools while travelling
- travellers who will tap often but still need ATMs sometimes
- people who want fewer junk travel fees
For mobile data, compare Saily’s Bali eSIM options.
- local ATM operator fees can still apply
- cash still matters in Indonesia
- you should still bring a backup card
Table of Contents
Yes, Up Bank Works in Bali / Indonesia
If your question is simply “can I use my Up card in Bali?”, the answer is yes. Up’s current travel-fee pages say you pay no fees on international purchases, get Mastercard exchange rates with no markups, and can withdraw cash at international ATMs without an Up fee, although the ATM itself may still charge you.
Yes. Up’s Mastercard can be used at merchants and ATMs that accept Mastercard. Card acceptance does not cover every warung, market stall or smaller business, so carry rupiah and keep a second card separately.
Why Up Bank Fits Bali / Indonesia Well
Bali combines card-friendly tourist businesses with smaller cash-only places. Existing Up users should carry rupiah and a physical backup card alongside their Mastercard.
Indonesia’s official payment guide says major cities and tourist hotspots widely accept international cards, and explicitly says the most widely accepted cards are Visa and Mastercard. It also says cards on common ATM networks are prevalent at major bank ATMs nationwide. That is the good part.
Up’s useful features here are its Mastercard conversion, spending notifications and app controls. It does not add an Up fee for overseas purchases or ATM withdrawals, although operators may charge separately. These features make it an alternative for existing Up users; Ubank remains our first Australian banking recommendation.
What Up does well in Bali
- 0% international transaction fees
- no Up fee for international ATM withdrawals
- Mastercard acceptance in the places tourists most often spend
- a simple Australian app and card setup before departure
What Catches People Out
The weak point is usually not Up. It is the destination.
- Local ATM fees: Up says some ATMs charge their own additional fee and will show it before you withdraw.
- Cash still matters: Indonesia’s official guides still advise carrying rupiah, especially outside major city or hotspot spending.
- You can still get burned by bad habits: choosing AUD at the machine, using poor-value money changers, or relying on one single card.
Important Bali rule
A no-fee card does not mean a no-fee machine. Always read the ATM screen, decline bad conversion options, and expect some local operator fees.
ATM and Cash Reality in Indonesia
Indonesia’s official travel currency information says ATMs on the Plus, Cirrus or Alto networks are common in major cities and tourist destinations, and that withdrawal limits depend on your home bank. It also warns that bigger notes can be harder to split in rural non-tourist areas.
That lines up pretty well with how Bali usually feels in practice. In the polished tourist zones you can tap a lot. But for smaller warungs, market-style spending, local transport, and some everyday low-friction purchases, cash still makes life easier.
Best Bali / Indonesia Money Setup
If I were setting up for Bali now, I would keep it simple:
- Travel money: Ubank is our first Australian banking recommendation. Compare Wise for international transfers and currency balances, and keep a second card plus local cash.
- Backup card: a second provider stored separately.
- Cash: enough rupiah for the first part of the trip and smaller purchases.
- Phone setup: mobile data ready before landing so banking, ride apps, and maps work immediately.
Our recommendation is Ubank for eligible Australians or Wise for international readers where available. Existing Up users can compare their current account before opening another. Carry rupiah, store the backup separately and check withdrawal limits.
Best Simple Bali Card Setup
Ubank is our main recommendation for eligible Australian readers; Wise is our recommendation for international readers where its card is available. Existing Up users can compare their current account. Carry rupiah alongside your cards.
Compare Bali travel cards →
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Ubank $30 signup bonus: enter AFWLLL7 on the About you screen and make five eligible card purchases that settle within your first 30 days. Participants must be 18+; returning-customer restrictions apply. Allow up to 45 days for payment after the requirements are met. Full offer terms.
Up: offer and account conditions
Up: ordinary Savers earn 5.35% p.a. Grow when untouched, up to the combined $250,000 individual Grow cap, or 2.00% p.a. Flow when accessed. First make five qualifying debit-card purchases in the calendar month; otherwise ordinary Savers earn 0.00%. The 2Up Grow cap is separate. Essentials earns 2.00% Flow without the purchase requirement until 28 February 2027. Up rates and conditions.
Up travel: no Up international transaction or ATM-withdrawal fee; ATM operators can charge separately. The card uses Mastercard’s exchange rate. Daily withdrawal limits still apply: the standard ATM cash-out limit is $1,000, subject to approved variations. Up currently advises allowing 15–20 business days for a physical card. Up travel information.
Deposit protection: eligible Up deposits share Bendigo and Adelaide Bank’s $250,000-per-person FCS limit; Ubank deposits share NAB’s limit. These are limits per person per institution, not per account. Rates are variable. Account eligibility and identity checks apply.
Frequently Asked Questions
Note: This guide reflects official sources. Up’s fee settings and Indonesia’s payment environment can change, so check the live pricing page before you fly.
Up Bank context
For the bank-side detail, read the MoneyHackHQ Up Bank review and the Bali travel card guide for Australians.
Ubank $30 signup offer · code AFWLLL7
Eligible new customers must join by 24 October 2026, enter AFWLLL7 on the About you screen and make five eligible card purchases that settle in the first 30 days. Both participants must be 18+; customers who closed all their Ubank Spend and Save accounts in the preceding 12 months are excluded. Allow up to 45 days after meeting the criteria for payment. Full offer terms. We may receive a referral benefit. International readers should check Wise card availability and local fees.